Congratulations to Josh and Deb on buying their first home
Josh and Deb initially come to us with a clear idea of where they wanted to live but they were unsure if they wanted to build or buy an established home or what exactly they had as a borrowing capacity.
We ran through different scenarios with them including eligibility for the First Home Loan Deposit Scheme, First Home Owner Grant, Stamp Duty Concessions and their borrowing capacity and estimated interest rates and repayments for each option.
After they had settled on an option we proceeded to apply for a pre-approval. It was lucky we had run through a few scenarios together as shortly after we started this process with the bank, they found out about some absolutely crazy site cut costs and switched to another scenario away from building a home.
It was certainly a long process for Josh and Deb to work out what they really wanted and what would be most financially appropriate. They managed to settle on an established home which they find themselves in now. We are so glad to have helped them along the way and really love seeing them with a smile on their faces.
